Ben Cardin actually said...

"I want to talk a little bit about the wealth gap, because home ownership is one of the areas that we deal with in trying to reduce the wealth gap in this country."

"The Low-Income Housing Tax Credit... it's the strongest tool we have to date, but in and of itself, it's not enough."

"Senators Young and Cardin introduced the Neighborhood Homes Investment Act, which would create a Federal tax credit to finance home building and rehabilitation in urban and rural neighborhoods."

"The Neighborhood Homes Investment Act is aimed at dealing with that."